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Chase IHG One Rewards Business Credit Card vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve 2.1% 1x base rate
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve 2.1% 1x base rate

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve 2.1% 1x base rate

Flights

  1. Sapphire Reserve 8.2% 4x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

What the numbers are doing

Sapphire Reserve tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and IHG One Rewards Business Credit Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge IHG One Rewards Business Credit Card $200 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more; IHG One Rewards Business Credit Card takes gas, travel and advertising.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GasIHG One Rewards Business Credit Card3.0%
TravelIHG One Rewards Business Credit Card3.0%
Travel · portalSapphire Reserve · Chase Travel16.4%
AdvertisingIHG One Rewards Business Credit Card3.0%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve — 2.1%
  2. IHG One Rewards Business Credit Card — 1.8%

Dining

  1. Sapphire Reserve — 6.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve — 2.1%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve — 2.1%

Flights

  1. Sapphire Reserve — 8.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Hotels

  1. Sapphire Reserve — 8.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Peloton

  1. Sapphire Reserve — 20.5%
  2. IHG One Rewards Business Credit Card — 1.8%

Lyft

  1. Sapphire Reserve — 10.3%
  2. IHG One Rewards Business Credit Card — 1.8%
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